Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$184,299Cash toward the purchase price.
Closing costs + prepaids$53,251Not just lender fees.
Before credits & paid funds$237,550The complete starting cash picture.
Estimated remaining funds due at closing
$237,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,299.17
Your down payment$184,299.17
Closing costs + prepaids$53,250.86
Total buyer cash needed$237,550.02
Remaining funds due$237,550.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$21,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$10,073.50
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$5,497.50
Prepaid interest, first (26 days)$9,471.85
Fees + prepaids$53,250.86
Your down payment is the seller’s equity. You take over the $2,014,701 balance, so the rest of the $2,199,000 price is paid at closing. A second mortgage can cover part of it. $237,550.02 is due at closing. Uses and sources reconcile at $2,252,250.86 each. Not a Closing Disclosure.